Call reports 2007
CNB ST. LOUIS BANK — 2007
What CNB ST. LOUIS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 444,004,000 | 444,280,000 | 450,519,000 | 468,438,000 |
| Total loans | 361,796,000 | 355,278,000 | 363,890,000 | 368,308,000 |
| Allowance for loan losses | 7,302,000 | 7,422,000 | 7,422,000 | 7,351,000 |
| Securities available for sale | 66,642,000 | 67,397,000 | 67,825,000 | 68,001,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 356,129,000 | 354,778,000 | 339,121,000 | 351,127,000 |
| Interest-bearing deposits | 332,461,000 | 333,644,000 | 320,251,000 | 328,606,000 |
| Noninterest-bearing deposits | 23,668,000 | 21,134,000 | 18,870,000 | 22,521,000 |
| Equity capital | 39,696,000 | 40,023,000 | 41,501,000 | 42,781,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,382,000 | 14,885,000 | 22,572,000 | 30,036,000 |
| Interest expense | 3,672,000 | 7,394,000 | 11,193,000 | 14,927,000 |
| Net interest income | 3,710,000 | 7,491,000 | 11,379,000 | 15,109,000 |
| Noninterest income | 366,000 | 728,000 | 982,000 | 1,313,000 |
| Noninterest expense | 2,099,000 | 4,183,000 | 6,385,000 | 8,750,000 |
| Provision for loan losses | 196,000 | 279,000 | 278,000 | 276,000 |
| Pretax income | 1,781,000 | 3,757,000 | 5,698,000 | 7,396,000 |
| Income tax | 501,000 | 1,128,000 | 1,724,000 | 2,150,000 |
| Net income | 1,280,000 | 2,629,000 | 3,974,000 | 5,246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,017,000 | 40,939,000 | 41,823,000 | 42,669,000 |
| Total capital | 44,921,000 | 45,948,000 | 46,948,000 | 47,864,000 |
| Risk-weighted assets | 389,935,000 | 398,299,000 | 407,725,000 | 413,461,000 |